Rider-matched picks
Size-matched fenders & mudguards picks for 5 year olds, with fit and feature priorities curated for how 5 year olds actually ride.
Check Amazon for current pricing and availability.

Royalbaby
Front + rear fender set sized for 20" kids bikes. Confirm rim brake / tire clearance before install.

Syncros
Universal MTB front fender - zip-ties to the fork crown and lower legs of any suspension fork. Designed to be wide enough to clear a 2.6" tire and short enough not to interfere with crown-mounted accessories. Bolt-on, no tools needed.

Syncros
Fork-specific fender designed for the Fox 34 SC (Step-Cast) and other 34 mm-stanchion XC/trail forks. Bolts directly to the brake-arch holes instead of using zip ties - cleaner install and steadier under hits. Won't fit 32 mm or 36 mm forks.

Syncros
Shorter and lighter than the standard Trail Fender - keeps mud out of the goggles without the extra polypropylene tail. Universal zip-tie mount fits any suspension fork. Orange colorway is the only one consistently in stock on Amazon.
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Five-year-olds are typically ready for a 16" wheel bike, though smaller children (under 107 cm) may still fit a 14" bike better. At this age, the majority of children have the coordination to ride without training wheels, and many can begin using hand brakes alongside or instead of a coaster brake. The correct fit means your child can sit on the saddle and touch the ground with the balls of their feet - flat-footed contact is no longer necessary. Look for bikes with a simple single-speed drivetrain; gears are unnecessary and add weight and complexity. A quality 16" bike typically weighs 6-8 kg; avoid anything over 9 kg, as heavier bikes are a serious barrier to enjoyment and skill progression.
Fenders are sized to two dimensions: wheel diameter (12-20" for kids, 26"/27.5"/29"/700c for adults) and tire width (commonly 23-32 mm for road, 32-45 mm for commuter/gravel, 2.0-2.4" for MTB and kids bikes). Fenders should sit roughly 8-12 mm clear of the tire on each side and overlap the tire by 5-10 mm. Three broad styles: full-wrap fenders bolt to frame and fork eyelets and cover roughly 60% of the wheel for maximum spray protection (best for daily commuters and rain bikes); clip-on / strap-on fenders use rubber straps or P-clips around the seatpost and fork legs and trade coverage for tool-free install (best for road bikes without eyelets); and minimal racing-style ass-savers protect only the rider's backside and are mostly a token gesture for unexpected showers. Kids fenders tend to be plastic, sized 12/14/16/18/20", and clip to the frame with the bike's existing brake-mount or kickstand bolts.